JOANNE RUTKOWSKI is a Branch Chief in the Office of Chief Counsel of the Division of Trading and Markets (formerly the Division of Market Regulation) at the U.S. Securities and Exchange Commission. In this capacity, Ms. Rutkowski works on public policy and regulatory issues related to broker-dealers. She also has worked extensively on issues related to the implementation of business conduct standards for security-based swap dealers and major security-based swap participants under Title VII of Dodd-Frank, as well as crowdfunding initiatives under the JOBS Act. Prior to rejoining the Commission, she worked in both the public and private sectors, most recently as a partner in the Washington, D.C. office of Baker Botts LLP. Ms. Rutkowski received her J.D. from Harvard University, and her B.S. in Mathematics from Albright College.